 My tenancy agreement says no more than 3 in my home, my pregancy will make us four can they evict us? |
| My husband and I are renting and have a toddler, my tenancy states I can not exceed the amount of people beyond 3, I have discovered I am pregnant again, is this grounds for eviction once the baby is ... |
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 Can you take anything if your house is foreclosure? |
| if you have to be out of your house a certain date cause your house is foreclosure, can you take anything? like fridge, washer dryer..... |
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 Is it possible to refinance? |
| I bought a new home 1.5 years ago and paid 290k and did an 80/20 loan. The loans are interest only 1st 10yr 232k @6.5% and 58K@11.5% . Since the decline of the FL market the house is probably worth ... |
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 Landlord problems? |
We have been living in a property for 7 months now and our shorthold tenancy has just switched to 'month to month'. (it was for 6 months)
do they have to give 1 month, or two ... |
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 How do you go about buying your first house? where do you start,bank or Realtor? |
Additional Details
This will be in my boyfriends name since he is the one with the good credit. Will they want my credit history? Will that hurt our chances?... |
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| I know the best answer to this is to contact a professional but we aren't at that stage yet. I was just wondering if anyone could tell me about how much we can afford to spend on a home if we ... |
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| What information can a realtor hide from you if the realtor has been made aware of it.... |
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 Can we go after the realtor, or home inspector? Who is responsible? |
| We purchased our home in July 08'. About two weeks after moving in the sewer flooded our bathtubs. We had it cleaned, and thought all was well. Since then it flooded the bathroom two times, and ... |
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| Together a month our income is $11,000 and a year our income together is $145,000... |
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What would be the monthly payment on a $90,000 mortgage at a rate of 7.5% interest for 30 years?
Additional Details
Anyone know how to calculate this?... |
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 Landlord problem, tenants how would you handle this? |
| We have been living in the same small apartment for near 3.5 years now and new Management just took over and they are no offense Nazi's, well in their tactics that is. This 5 apartment complex ... |
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| my landlord called me last night and left a message that she had to come by and check the bathroom because the downstairs neighbors said there was a small leak, before i even got a chance to call her ... |
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 When renting out your home, can the tenants switch all utilities to their name? |
| we're in los angeles, and instead of billing the tenants, i'd rather they switched everything over to their name. power, water, trash, gas, tv, phone--everything. can that be done or do i ... |
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 My husband is getting relocated. What should we do about our lease? |
| We live in arizona and my husband is getting a promotion and we have to move Las Vegas but we have a rental agreement. Any suggestions??... |
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| How do I save my home from Foreclosure when I already have a Sheriffs sale date,and nobody will refinance us s |
| Since April 06 our adjustable rate mortgage has gone from 7%up to 11.5% which has forced us into Foreclosure.We love our home VERY much but are going to lose it.CAN ANYBODY HELP US? PLEASE PLEASE PL... |
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 II'm thinking about selling my house ...? |
| Will the closing cost, on my end, have to come out of my pocket upfront or can it come out of the home equity?... |
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 I am in the process of looking for my first house - please help!!!!? |
| I have started making enquiries about buying a house and I am due to view a property today. Any tips for what bad things to look out for in a house?... |
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curiouser and curiouser | I want to buy a house; I'm 24 with decent credit and climbing, but no down payment money? |
I just moved to San Antonio, in a big part due to what my bf thought jobs would pay and housing costs. (We come from FL where everything is horrid for homes there!)
I've seen homes for sale as low as $63k or $40k. I need to know where/whom is a good person to talk with about buying a home, but I have no down payment money to work with... MAYBE can get about $2k but that's a maybe.
Anyone have ideas on where I would start to see if I qualify??? |
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The one who knows
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Contact a mortgage broker. Ask about and Interest only loan. |
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Alterfemego
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Get qualifed by FHA and ask about non profit organizations monies for downpayment and/or closing costs such as, Ameridream and NEIHAMA |
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Real Estate Guy
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YOu can go FHA and use a program like amerdream or Genesis. Both of these allow the seller to pay your down payment and closing costs.
TALK WITH A LOAN OFFICER.
I believe that it's not how much money you have down, but how much you spend each month. YOu can put 50% down and still not afford the monthly payments.
I would NEVER!!!!!!!!!!!! spend more then 25% of your gross income for housing payment. DO NOT BE HOUSE POOR.
Also, you should be saving (before and after you purchase) at least 10% of gross income per month. PERIOD.
Buy a house in a good area. LOCATION, LOCATION, LOCATION is the most important feature in a new home. Not counter tops, etc.
Remember, buy location and don't spend more then 25% of gross monthly income for payments. |
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Thats Me
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Look to a bank that offers FHA loans (like chase or citi) FHA loans are typically approved if you credit is ok, and your income to debit ratio is ok.
FHA loans are backed my the government, and may have a little higher fees, but they will allow you to mortgage over the 80% (which is where most lenders cut you off) and will usually let you roll the closing into the loan. |
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oohbaby10
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The only way you can buy a home with no down payment is to buy it directly from owner on a land contract. |
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steeleyjon
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Another option is Sellers Assist.
Lets say the house is $50K. You will need about 15K for down and closing costs. If the house appraises for 65, you get a loan for 65, the seller sells to you with a seller assist agreement, the extra money goes for all the extras.
This is less possible in the current economic environment.
Best wishes.... |
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jeeperamyjo
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It depends on the loan. My husband and I bought a house with no down, but we were able to get a VA loan. Ask a mortage specialist about options. |
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Richard B
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Contact a local lender (bank, savings & loan, mortgage company)) not a mortgage broker. An experienced loan officer can tell you what you qualify for over the phone (income to debt ratio, etc.). That is not an approval. Many communities have programs to help buyers in your situation. A good loan officer should be familiar with them. |
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the_crow14@sbcglobal.net
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San Antonio is a great market especially for buyers. There are programs out there for first time buyers. I prefer working with first time buyers because I used to be in your predicament. I wanted a home and didn't know where to begin. Let me know if I can be of any help I can refer you to the lenders I work with who can qualify you for a loan, I might even be able to refer you to a job. The home-buying process can be a lenghty and tedious job , contact me and I can show you the way one step at a time.
www.GilbertAguilar.com
http://www.freewebs.com/propertyvirgins/
http://www.myspace.com/kwheritage |
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loved1
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I am not sure about Texas, but in my state we have a first time buyers program that does not require a down payment, but you do need closing costs of about $1200.00. The closing costs can be budgeted into a pay plan over 9 months if you do not have it up front.
Another benefit for the program is if you meet the income guidelines you can also qualify for special programs on payments and other financing points and rates.
Who to call, try calling a broker or go into a mortgage lending company, they can assist you with many of the programs and even getting pre-qualified.
I have my preference on a mortgage company, but I am not sure if they are located there or if you prefer working with a bank.
Good luck finding a home. |
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chronicblazed2000
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we got a loan without a downpayment. We have a FHA loan also. Although if you don't have any money you probably shouldn't buy a house theres a lot of unexpected things that come up. |
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gk
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Call a Realtor and ask if there is any CHFA money in your area. It's money for first time home buyers. |
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